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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $509,745 | $156,398+225.9% | $147,318+246.0% | $138,895+267.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 12.70% | 78.75%-66.0pp | 70.43%-57.7pp | 145.39%-132.7pp |
| Employer contribution / active EE | $20,038 | $4,853+312.9% | $4,593+336.3% | $4,194+377.7% |
| Participant deferral / active EE | $25,375 | $8,237+208.0% | $7,906+220.9% | $6,396+296.7% |
| Admin fee / account holder | $2,211 | $14,976-85.2% | $13,708-83.9% | $12,562-82.4% |